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Activating mortgage insurance begins with the Commitment/Certificate we issue as soon as we approve the application for insurance. The Commitment/Certificate shows that we approve a loan, and extends insurance coverage to the loan if certain conditions are met.
Our commitment to insure is effective for:
Some changes to a Commitment/Certificate require our prior approval, while others do not. We require prior approval for the following changes:
We do not require prior approval for the following changes:
Note: For any changes not listed above, we require prior approval.
Submit all changes to us before insurance activation. After underwriting review (where necessary), we will process any changes and, if they are approved, send you a revised Commitment/Certificate reflecting the changes. Report Commitment/Certificate changes to email@example.com or 1-800-424-6442.
To activate mortgage insurance coverage, notify us within 15 days of the loan closing. Loans must close on or before the Commitment expiration date.
Key requirements for activation
When activation is more than 120 days from the original Commitment effective date, the loan file must contain both:
*The Activation Notice is the last page of the Commitment/Certificate document.